Last update: Oct 2026

Cost of Living Comparison Between Toronto and San Ramon, CA

For one person, living is cheaper in Toronto: $2,610 a month against $3,251 in San Ramon, CA, rent and utilities included – about $7,700 less a year. Rent and utilities account for most of the difference.

126

Cost of Living Index in Toronto
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Toronto Living Index
156

Cost of Living Index in San Ramon, CA
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San Ramon, CA Living Index

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Toronto

🇨🇦 Canada

$2,610

/mo nomad

San Ramon, CA

🇺🇸 United States

$3,251

/mo nomad

Monthly Cost of Living

How much you'll spend in Toronto and in San Ramon, CA

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Toronto and in San Ramon, CA actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,610 in Toronto versus $3,251 in San Ramon, CA.

Toronto $2,610
San Ramon, CA $3,251

Estimated couple costs with rent: $3,727 in Toronto versus $2,965 in San Ramon, CA.

Toronto $3,727
San Ramon, CA $2,965

Monthly costs for a family of three with rent: $4,844 in Toronto versus $2,680 in San Ramon, CA.

Toronto $4,844
San Ramon, CA $2,680

Living in Toronto costs roughly 20% less than in San Ramon, CA, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Toronto 93% above, San Ramon, CA 140% above.

Meal at Budget Restaurant

$17.59 CA$24.87

$19.22 $19.22

-8.48%

Three-Course Dinner for Two, Mid-Range

$78.8 CA$111

$50.8 $50.8

55.25%

Fast Food Meal (McDonalds, etc)

$10.73 CA$15.16

$10.87 $10.87

-1.29%

Cappuccino

$4.09 CA$5.78

$5.36 $5.36

-23.69%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.10 CA$2.97

$3.03 $3.03

-30.69%

Water (0.33 liter bottle)

$1.72 CA$2.43

$2.54 $2.54

-32.28%

Local Beer (0.5 liter draught)

$6.36 CA$8.99

$9.19 $9.19

-30.79%

Imported Beer (0.33 liter bottle)

$7.08 CA$10.01

$7.89 $7.89

-10.27%

Milk (1 liter)

$2.54 CA$3.59

$1.32 $1.32

92.42%

White Bread (500g)

$2.72 CA$3.85

$4.17 $4.17

-34.77%

Rice (white) (1kg)

$2.18 CA$3.09

$4.87 $4.87

-55.24%

Eggs

$3.63 CA$5.13

$3.89 $3.89

-6.68%

Local Cheese (1kg)

$9.46 CA$13.37

$24.97 $24.97

-62.11%

Chicken Fillets (1kg)

$11.54 CA$16.32

$11.84 $11.84

-2.53%

Beef Round Steak (1kg)

$14.37 CA$20.32

$13.29 $13.29

8.13%

Apples (1kg)

$3.70 CA$5.23

$5.40 $5.40

-31.48%

Banana (1kg)

$1.19 CA$1.68

$3.22 $3.22

-63.04%

Oranges (1kg)

$3.46 CA$4.90

$4.79 $4.79

-27.77%

Tomato (1kg)

$4.22 CA$5.97

$5.87 $5.87

-28.11%

Potato (1kg)

$1.79 CA$2.52

$3.35 $3.35

-46.57%

Onion (1kg)

$1.65 CA$2.33

$3.99 $3.99

-58.65%

Lettuce (1 head)

$2.20 CA$3.11

$2.96 $2.96

-25.68%

Water (1.5 liter bottle)

$1.26 CA$1.78

$2.65 $2.65

-52.45%

Cigarettes 20 Pack (Marlboro, Camel)

$13.97 CA$19.75

$11.57 $11.57

20.74%

Wine (Bottle)

$14.20 CA$20.07

$12.93 $12.93

9.82%

Local Beer (0.5 liter bottle)

$2.25 CA$3.18

$2.07 $2.07

8.70%

Imported Beer (0.33 liter bottle)

$2.53 CA$3.58

$2.53 $2.53

One-way Ticket (Public Transport)

$2.32 CA$3.28

Public Transport Monthly Pass (Regular Price)

$112 CA$158

Taxi Start (Normal Tariff)

$3.06 CA$4.33

$4.06 $4.06

-24.63%

Taxi (Normal Tariff) (1km)

$1.22 CA$1.72

$5.12 $5.12

-76.17%

Taxi 1hour Waiting (Normal Tariff)

$21.69 CA$30.66

Gasoline (1 liter)

$1.21 CA$1.72

$1.23 $1.23

-1.63%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$26.1K CA$37.0K

$28.1K $28.1K

-7.08%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$21.1K CA$29.9K

$27.2K $27.2K

-22.34%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$120 CA$169

$140 $140

-14.50%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$32.21 CA$45.54

$39.37 $39.37

-18.19%

Internet (50+ Mbps, Unlimited Data)

$48.88 CA$69.1

$63.5 $63.5

-23.00%

Gym Membership (Monthly)

$39.34 CA$55.6

$20.11 $20.11

95.62%

Tennis Court (1 Hour on Weekend)

$23.58 CA$33.34

Cinema Ticket

$12.58 CA$17.79

$16.77 $16.77

-24.99%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$832 CA$1,176

$1,796 $1,796

-53.67%

International Primary School, 1 Child (Yearly)

$23.6K CA$33.4K

$24.3K $24.3K

-2.91%

Jeans (Levis 501 Or Similar)

$52.3 CA$73.9

$49.41 $49.41

5.81%

Summer Dress (H&M, Zara, etc)

$39.44 CA$55.8

$39.41 $39.41

0.08%

Sport Shoes (Adidas, Nike)

$99.0 CA$140

$99.6 $99.6

-0.55%

Men's Leather Business Shoes

$122 CA$172

$61.0 $61.0

99.85%

1-bedroom Apartment, City Center (Monthly)

$1,631 CA$2,306

$2,375 $2,375

-31.31%

1-bedroom Apartment, Outside City Center (Monthly)

$1,448 CA$2,048

$2,016 $2,016

-28.16%

3-bedroom Apartment, City Center (Monthly)

$2,737 CA$3,869

$2,946 $2,946

-7.09%

3-bedroom Apartment, Outside City Center (Monthly)

$2,129 CA$3,010

Buy Apartment in City Center (m2)

$8,206 CA$11.6K

Buy Apartment Outside City Center (m2)

$6,838 CA$9,666

Average Monthly Net Salary (After Tax)

$3,520 CA$4,976

$9,337 $9,337

-62.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

6.69

-33.18%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Toronto: October 18, 2026

Last update for San Ramon, CA: October 18, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Toronto

$1.4K 55.5%

San Ramon, CA

$2K 62% 39.2% $568

Groceries & Markets

Toronto

$343 13.1%

San Ramon, CA

$462 14.2% 34.7% $119

Eating Out

Toronto

$283 10.9%

San Ramon, CA

$335 10.3% 18.2% $51

Monthly Utilities & Internet

Toronto

$201 7.7%

San Ramon, CA

$243 7.5% 21% $42

Clothing & Footwear

Toronto

$141 5.4%

San Ramon, CA

$112 3.5% 20.2% $28

Getting Around

Toronto

$130 5%

San Ramon, CA

$30 * 0.9% 77.2% $100

Sport & Entertainment

Toronto

$65 2.5%

San Ramon, CA

$54 1.7% 16.8% $11

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,631 in Toronto and $2,375 in San Ramon, CA. Housing cost is often the main lever when comparing two cities.

San Ramon, CA pays 165% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $79.0 in Toronto vs $51.0 in San Ramon, CA. Groceries flip the comparison at $343 vs $462, with Toronto cheaper for home cooking.

Good to know

🇨🇦 Toronto

🇺🇸 San Ramon, CA

🕒 Local time

04:44 4:44 AM

01:44 1:44 AM

3 h behind Toronto

🌤 Weather

👥 Population

2,731,571

75,995

💱 Currency

Canadian Dollar CAD $

United States Dollar USD $

📈 Exchange rate

1 CAD = 0.707 USD

1 CAD = 0.629 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to CAD – Canadian Dollar Converter

🇺🇸 United States Dollar ($)

🇨🇦 Canadian Dollar ($)

Canadian Dollar exchange rates as of October 22, 2026: 1 USD = 1.41 CAD (1 CAD = 0.707 USD). 1 EUR = 1.59 CAD (1 CAD = 0.629 EUR).

United States Dollar exchange rates as of October 22, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to CAD in detail →

On the map

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Between locations

Toronto San Ramon, CA 3,610 km ≈ 5 h nonstop flight

From you

Toronto
San Ramon, CA

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Toronto vs San Ramon, CA: Cost of Living - Frequently Asked Questions

Toronto wins on cost – living expenses run 25% lower than in San Ramon, CA. Housing and daily spending are where you'll feel the difference most, making Toronto the obvious pick if budget is a priority.

On paper, salaries run 165% lower in San Ramon, CA. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,631 in Toronto versus $2,375 in San Ramon, CA. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 35% higher in San Ramon, CA. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,610 per month in Toronto versus $3,251 in San Ramon, CA – a 25% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $2,500. Toronto is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Toronto and San Ramon, CA are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Toronto gentler on the wallet – expenses run 25% less than in San Ramon, CA. Beyond cost, consider language, visa policies, and how big the international community is in each city.